Growth-oriented portfolio with a strong tilt towards technology and North American equities

Report created on Nov 9, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio showcases a significant concentration in equity, with 50% in a broad-market ETF, 30% in a global technology ETF, and 20% in an S&P 500 ETF. This composition indicates a clear growth orientation, leveraging the potential high returns of the technology sector and the stability of large-cap U.S. equities. The allocation towards equities is consistent with a growth-focused investment strategy, aiming for capital appreciation over the long term. However, the absence of fixed-income assets could imply higher volatility and risk, particularly in market downturns.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 17.02% and a maximum drawdown of -27.12%, the portfolio has demonstrated strong performance, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 25 days highlights the portfolio's reliance on short, sharp gains, typical of growth-oriented investments. While past performance is impressive, it's essential to remember that it doesn't guarantee future results. The high CAGR is indicative of the portfolio's aggressive growth strategy, but the significant drawdown suggests a potential for substantial losses during market corrections.

Projection Info

Using Monte Carlo simulations, which generate a range of potential future outcomes based on historical data, the portfolio shows a wide range of possible performances. The 50th percentile outcome suggests a substantial increase, while the 5th and 67th percentiles indicate both the downside risk and higher growth potential, respectively. However, it's crucial to note that these projections are hypothetical and subject to the limitations of past data, which may not accurately predict future market conditions.

Asset classes Info

  • US Equity
    70%
  • Stocks
    15%

The portfolio's asset allocation is heavily weighted towards U.S. Equity (70%) and general Equity (15%), with no allocation to Cash or other asset classes. This high equity concentration aligns with the portfolio's growth objectives but comes with increased market risk. Diversifying across more asset classes, including fixed income or real assets, could provide a buffer against equity market volatility while still allowing for growth.

Sectors Info

  • Technology
    37%
  • Financials
    15%
  • Telecommunications
    10%
  • Consumer Discretionary
    10%
  • Industrials
    8%
  • Health Care
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Real Estate
    2%

With 37% allocated to Technology, followed by Financial Services and Communication Services, the portfolio is poised to benefit from the growth of digital and tech-driven economies. However, this sector concentration also exposes it to sector-specific risks, such as regulatory changes or technological disruptions. Balancing this with investments in sectors less correlated with technology could mitigate risk while preserving growth potential.

Regions Info

  • North America
    85%
  • Europe Developed
    6%
  • Japan
    3%
  • Asia Emerging
    2%
  • Asia Developed
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic allocation is heavily North American-centric (85%), with minimal exposure to emerging markets and other developed regions. This concentration benefits from the robust performance of North American markets but limits global diversification. Expanding into emerging or other developed markets could offer additional growth opportunities and risk diversification.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's emphasis on Mega (53%) and Big (29%) cap stocks supports its growth and stability objectives, leveraging the potential of large, established companies. However, the limited exposure to Medium, Small, and Micro caps suggests missed opportunities for higher growth rates these segments can offer. Increasing exposure to smaller caps could enhance growth prospects, albeit with added volatility.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

The current allocation suggests room for optimization towards the Efficient Frontier, which could enhance the risk-return profile. By adjusting the asset allocation to achieve an optimal balance, the portfolio could potentially offer higher returns for the same level of risk. This optimization should consider not only the current assets but also the introduction of new asset classes or sectors to improve diversification and risk management.

Dividends Info

  • TD Global Technology Leaders Index ETF 0.10%
  • Vanguard All-Equity ETF Portfolio 1.30%
  • Vanguard S&P 500 Index ETF 0.50%
  • Weighted yield (per year) 0.78%

The portfolio's overall dividend yield of 0.78% reflects its growth orientation, prioritizing capital appreciation over income generation. While this aligns with the portfolio's objectives, investors seeking regular income or a more balanced growth-income approach might consider assets with higher dividend yields.

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